Individual & ACA Plans

Currently, with few exemptions, all individuals are required to have health insurance. Those who do not have coverage can expect to pay a penalty on their income taxes. Generally, individuals can only sign up for health insurance during the open enrollment period, which only happens once a year (generally during the 4th quarter). However, those with qualifying events, such as marriage or termination of employment, may apply for coverage within 60 days of the event.

Open Enrollment Begins:November 1st, 2017

You cannot currently enroll in benefits unless you've had a qualifying event in the last 60 days.

Qualifying Events

You, or someone in your family, has:

Married someone

Had a baby

Adopted a child, or had a child placed for adoption

You, or someone in your family, has lost minimum essential health insurance through job loss, divorce, expiration of COBRA coverage, or other, similar situations

You, or someone in your family, has lost eligibility for Medicaid (AHCCCS) or Children’s Health Insurance Program (CHIP)

You have moved to a new home in an area with different health plan options

You, or someone in your family, no longer have access to health insurance that is considered “affordable” under federal law, or which provides “minimum value”

There was an error in the enrollment process for your current plan (as defined in federal law)

Your plan or issuer has substantially violated a material provision in the current plan

You, or someone in your family, has become eligible or ineligible for federal financial help to pay for health insurance or health care costs due to a change in income

With 20+ years in business and over 500 years of combined experience, Arizona Benefit Consultants are your employee benefit experts!